Although perhaps not the most glamorous topic in the world, travel insurance is nonetheless an essential part of the holiday process. And unlike the fairly straightforward process of asking ‘which hotel should I stay in?’ getting the right travel insurance can be as confusing as it is frustrating! This is, hopefully, where I come in. As the managing director of Insuremore (http://www.insuremore.co.uk) I like to think I know a fair bit about the whole area. I’ve assembled this guide as something of a ‘top 10 things to look out for’ when purchasing travel insurance. And the common question I get asked all the time is whether I think travel insurance is worth buying. Given my line of work, it’s pretty inevitable that my answer will be ‘yes’ but the reason isn’t just because of the extra money it will ensure I receive! Y’see it’s true that the majority of people go on holiday, have a memorable time and come back without any ill consequences, but a small percentage of people will have an unexpected hospitalization or find that their flights are canceled. And believe me, in those instances trying to get help without travel insurance is not only expensive, but horribly stressful. Indeed, the best benefit of travel insurance is the peace of mind it gives the policy holder. A holiday should be about relaxation (or possibly getting your skin to become as lobster like as possible judging from recent case studies!) and how can you relax when you’re constantly on the lookout for illnesses or injuries? I’m sure that even if you could have relaxed before reading this, you will be worried now! So without further ado: 1)Don’t leave your travel insurance until the last minute Okay, people don’t like to spend money – especially immediately after dropping a load of cash on an expensive holiday, but not getting your travel insurance sorted out immediately can be a massive mistake as you miss out one of the key aspects of it – cancellation cover. Although you may think that there’s no way you’ll cancel, life is full of the unexpected, and we deal with people canceling their holidays due to family emergencies everyday. As your holiday gets closer and closer, the chances of you needing to cancel are heavily reduced, so you completely lose the benefit of part of your insurance if you don’t sort it out nice and early. 2)Don’t settle for single trip cover if you’re going on holiday more than once On the subject of single trip cover, is that really what you need? According to a 2004 study by Alliance & Leicester, 2/3rds of people plan to take two or more holidays a year. If you’re in the majority here, then single trip insurance will not be the best priced option (unless you have a phenomenally good value insurance provider) and it’s worth considering multi-trip or annual. 3)Your E111 health card alone will cost you for medical cover Don’t think that just because you have your E111 European health card you will be covered for free – that’s a myth. You do need the card to show hospitals in the event of an emergency, but you will be charged by the country’s private healthcare system. Make sure your travel insurance covers illness and injury! 4)Be honest about any medical conditions you have On a similar note, make sure you tell your insurers of all your medical conditions even if they seem irrelevant – too much information is a good thing in this case, as not providing details could later invalidate any claims you need to make. 5)Get the right policy for your holiday Just like how there are different holidays for different tastes, there are different policies for different people. If you’re looking to go backpacking, skiing or mountain climbing, you’re going to need to track down a policy specifically for these activities to ensure you’re covered in the event of an accident. 6)Buy for the family and save As I’ve already mentioned, there are different types of insurance for different cover – generally, companies offer single, multi trip, annual and family travel insurance policies. Predict how much you expect to be abroad and buy accordingly. If you are in a family, then it stands to reasons that family insurance is a good option – and some policies include the insurance of under-18s for free! 7)Know exactly what you’re covered against Cheap travel insurance may seem like a bargain – and there are plenty of legitimate companies offering cheap travel insurance out there – but make sure you go through the policy with a fine tooth comb to ensure you’re not missing out on key coverage, such as cancellation and theft. As a rule of thumb, if something seems too good to be true, it probably is! 8)Check out the excesses on the policy Actually, it’s worth going through any travel insurance policy with a fine tooth comb – cheap or otherwise. The excesses on different policies can make a huge difference, and it’s a good idea to find a policy with a lower or no excess on an area you think you are more likely to end up claiming on! 9)If you’re under the influence, then you won’t be covered Sounds obvious, but we often get claims like this, so I’d best cover it: No travel insurance company will pay up on any accidents occurring while the policy holder is under the influence of alcohol or drugs – the policy is not there to allow you to behave more recklessly than you normally would! 10)Look for a company that covers against acts of terrorism for peace of mind In the current climate, insurance against acts of terrorism is something we’ve found people to be calling out for, and sadly, most companies do not offer it as default with their policies. If I may be allowed a brief plug however, it is something that we at Insuremore include in our travel insurance packages for that extra peace of mind. If it is something that’s worrying you, it is worth ensuring it is part of your policy.
A Guide For A More Than Enjoyable Travel
Although traveling by air is the fastest way to move from places to place while traveling by car is convenient and comfortable and traveling by bus is the cheapest, not one of them can be compared to the unique experience trail travel could give. Trail travel might not be the most popular way people move. This could be because of the length a trip could take compared to air traveling. Another reason could be the monotony of sights that might bring boredom to passengers. Another could be the price one single train travel could cost compared when taking a bus. All these contribute to the decreasing popularity of train travel but it does not mean that train travel is not good at all. In fact, with a little wit and personal creativity, one could enjoy train travel. 1. Expect to travel for long hours. In this way, you don’t have to look at your timepiece regularly or ask a crew with the most annoying question you also would not want to hear: “Are we there yet?” Keep in mind that if you are crossing state boarders, train travel could take more hours than driving your own car at your own phase. And sometimes, train schedules are not met so you don’t have to nag every crew with the train schedule. 2. Relax and enjoy the scenery. If you are traveling during daytime, you could see sights that might not be possible to see if you are traveling by plane, bus or car. Try to enjoy the scenery. You can even bring binoculars to help you see more views closer. 3. If you are a reader, this is the best time to read. Trains are more stable than bus. So if you would like to read without controlling the motion of your hand with the book, the train could provide you with stability. Bring a book of your favorite author. You can also consider finalizing your report if you are going to present it on meetings. 4. If you are not into sightseeing and reading, you can bring your portable CD player or iPod. Bring your most favorite albums you could bring. Or, if you have an iPod, you can store all your songs to your library. Make sure you have spare batteries. 5. Be friendly and polite. If a person asks favors from you, be more than willing to do it. Train travel would offer you new acquaintances and friends. 6. Do not intrude other people’s business in the best way you could. Respect other people’s privacy. 7. Talk to the crew nicely. Although they would not throw you off the train if you shout to them, doing such is not proper. They are well trained and very friendly, be nice to the crew. 8. Take time to meet other people. Since you expect to be on the train for several hours especially if you are crossing state borders, you wont be doing so much. You can roam around the train and meet other people. This is the best time to have someone to talk to. 9. If in case you are traveling with your children, make sure you provide them with lots of activities. Bring along activity books, quiet toys, color pens, crayons, papers, reading material, coloring books, and video games. In this way, you keep them entertained.
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A Nutritious Diet while Traveling
Sticking to a nutritious diet while traveling can be one of the more difficult things to do. However, if you learn how to make smart choices, a healthy diet is really not that difficult. It’s probably not the best time in which to start a healthy diet, but if you are currently making healthy choices in your foods already, modifying your diet slightly to accommodate travel, is not as difficult as it first may seem. If you are traveling by airplane, your diet may have to include airplane food, which can often be of poor nutritional value, depending on the selection. When you book your flight, ask about your food options, ask if a vegetarian dish is available? Vegetarian dishes are sometimes more nutritional in this case, but it really depends on what they may be serving. If you can, eat a larger meal before your flight, so that you don’t have to eat the entire meal that is served, to feel full. When driving or taking a bus, you may be tempted to stop at fast food restaurants and eat the meals found there. Avoid this whenever possible! If you’re on vacation, you may wish to splurge a tiny bit, but having fast food more than once during a week can really be bad for your health. If you must, choose the healthiest options available, like chicken breasts and diet soda. Also, remember that you can take your own meals when traveling. Carrying a loaf of whole-wheat bread or pita wraps, some lean lunchmeat, and low-fat cheese in a cooler is a great way to avoid high-fat and high-cholesterol junk food meals. These are much better choices and you’ll save a lot of money as well. Call ahead to ask if there will be a refrigerator in your hotel room. Lastly, make smart choices when you eat out. If you choose salads or pasta get the dressing on the side and ask about low-carb options. In fact, many places print these dieting options directly in the menu for the health-conscious people. Control your portions by ordering lunch menu sizes or splitting the meal in have and getting a doggie bag, and you’ll be well on your way to healthy eating, even away from home. Yes, eating healthy foods when you travel can be a challenge. However, your health is worth it. Eating meals high in nutrition will also assist in fighting illnesses that you are likely to encounter when traveling and you will find yourself more alert so that you can enjoy your trip.
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10 Must-Know Travelers Tips to Hong Kong
Hong Kong is an international city and it has vast number of tourists come from all over the world in all year round. According to the Hong Kong Government statistics, the number of international tourists visited Hong Kong in 2005 reaches 10.8 million which represents a 13.1% increase when compared to 2004. Countries such as Australia, Canada, French, China, India, Indonesia, Malaysia, Singapore, Korean, Thailand, British and United States all contributes significant tourist growth for Hong Kong. This article presents some critical traveler tips for tourists so that you could enjoy more and have a wonderful trip to Hong Kong. 1. Personal Identity and Safety Tourists must carry valid personal identity documentation such as passport during their stay in Hong Kong. Hong Kong is a very safe city according to the low crime rate. However, due to the densely population, it is not suggested to take a large amount of cash when going out since most of the shops in Hong Kong accepts credit cards. Expensive belongs should be locked in the safe in hotel. You could easily find policemen on the streets whenever you have encountered any problems. 2. Service Charges Most of the restaurants except fast food shops will add 10% service charges to the bill. Therefore, you may choose to give out the odd dollars from the changes as the service tips. For taxi driver or bellboy in the hotel, there is no pre set norm for the service tips, you may choose to give out whenever you think the service is deserved for. 3. Telephone Service All local telephone call is free except for the public telephone which charges HK$1 for every 5 minutes. Emergency call is 999 and it is free to call even in public telephone. You could either use IDD telephone call card or credit card for long distance call, or simply through operator for collect call in all public telephone counter. 4. Drinking Water The drinking water in Hong Kong reaches World Health Organization standard. However, you may also choose to buy the bottle water in the supermarkets if you think it is necessary. 5. Taxi All taxi only accept cash and they have invoice print out whenever you request. It is easier to catch the taxi in the taxi stop or outside the hotel. Many of the taxi drivers could understand simple English. It is suggest writing down your destination (in English) on paper to minimize misunderstandings. The taxi charges is based on the meter which is HK$15 for the first 2 Km and HK$1.4 for the subsequent 0.2 Km. Besides, there are tunnel charges ranging from HK$3-45 depends on which tunnel you have to take. The charging table is clearly shown on the inner side of the doors so you could check it before you pay. In case of any complaints or lost case, you may record down the name of the taxi driver and his license plate number which is clearly shown on the front seat stand, and reports to the police hotline: 2527 7177 whenever necessary. 6. Mass Transit Railway (MTR) Hong Kong has 6 MTR routes, which covers most parts of Hong Kong Island, Kowloon and New Territories. Tsuen Wan Route: Tsuen Wan to Central Kwun Tong Route: Yau Mat Tei to Tiu Keng Leng Tseung Kwan O Route: North Point to Po Lam Main Route: Sheung Wan to Chai Wan Tung Chung Route: Tung Chung to Hong Kong Airport Route: Airport to Hong Kong Due to the convenience of MTR and the compact area of Hong Kong, most tourists find it is not necessary to rent car during their stay. Besides, due to the very heavy traffic and the complexity of the city roads, it is not recommended for tourists to drive. In case you really need car rental, you may consult your hotel, and be ready with your passport and driving license. 7. Kowloon Canton Railway (KCR) The KCR is the major railway which links up the New Territories and the city of Kowloon. It runs through Tsim Sha Tsui East to Lo Wu which takes about 40 minutes for the whole route. Lo Wo is the final station which you could pass through to enter China with valid visa. The train will depart for every 3 to 10 minutes, and the earliest one will be started at 5:35 a.m. while the last one will be departed at 12:20 p.m. The ordinary fair and the first class fair are HK$18 and HK$36 respectively from Hung Hom to Sheung Shui. 8. Tram The tram service has been started in 1904 and it is the oldest transportation system in Hong Kong. It only services the Hong Kong Island running from Kennedy Town to Shau Kei Wan plus another route to Happy Valley. The earliest tram starts at 6: 00 a.m. and run until 1:00 p.m. and the fair is HK$ 2 for adult and HK$ 1 for children under age12. It is the cheapest transportation in Hong Kong, and you are highly recommended to take a ride at the upper stairs so that you could enjoy all the street scenery of Hong Kong. 9. Star Ferry The scenery of Hong Kong harbor is famous in the world, especially the night scenery. Besides, there is spectacular light show by the commercial buildings in the Hong Kong island at 8:00 p.m. every night which you must not miss. The Star Ferry has been serving on the harbor for more than 100 years, and the fair is less than HK$3 per rides. You could take the Star Ferry from Cental to Tsim Sha Tsui at around 8:00 p.m. You could enjoy the harbor scenery on the ferry and continue with the light show at the Starlight Road of Tsim Sha Tsui. 10. Hong Kong International Airport The most convenient route to the Hong Kong International Airport is through the MTR which takes about 23 minutes from Central. It passes through stations of Kowloon, Olympic, Tsing Yi, and the train will be departed for every ten minutes. With the MTR, you would never miss the airplane due to the traditional traffic jam. Other than the MTR, you could take the Airport Bus which starts from 6:00 a.m. at the morning until 11:00 p.m. at night. It covers most part of Hong Kong Island and Kowloon with major hotels.
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5 Ways to Help Build Your Coastal Vacations
In recent years, the travel industry has become a force to be reckoned with in the online industry. With Internet access growing more common daily in homes around the world, many people can surf for vacations online, book flights, car rentals, hotel reservations cruises and more – for business or fun travel - any time, all the time, 24/7. And many people are realizing their dreams of working from home through this online travel business revenue stream at the same time. But many more could be joining in, too, but don’t know how or need a hand at the keyboard. While it can be very profitable, you can struggle if you don’t know what you’re doing. So here are a few tips on how to succeed. 1. Automate your business. The one common thread among all internet businesses is mass quantities of potential customers. If you’re going to do well, you must learn to automate nearly everything. Just keeping up with a list of prospects can become a daunting task without the proper tools. For sending out emails, auto-responders are pretty much a must these days. It greatly decreases the amount of work involved. 2. Build relationships. Many people tend to forget that online business is still a business. They think just because they throw up a website that people will start buying from them. The truth is, people hate to be sold to. However, they will buy from those who build relationships with them. Gain their trust by giving them something with no strings attached. Unconditional giving is a great practice to get into. 3. Offer extras. Don’t just do what everyone else is doing. Give the prospect something extra. If you over-deliver, they’ll have every reason to buy from you. If you over-promise and under-deliver, you’ll likely end up being disappointed. Try to come up with unique ideas that others haven’t thought of. Don’t be content with giving away some free e-book that is so overused that everyone has read it twice. Continually think of innovative ways to help the customer. 4. Use your unique voice. Don’t try to sound like an encyclopedia or a robot. In all communications with the clients, be sure to use your individual voice. People like to deal with other people, not robots. Talk to them like you would talk to your best friend. Don’t talk down to them or sound redundant. Use a fresh style. It will be appreciated. 5. Know your stuff. No matter what you’re selling, you must know what you’re talking about. If a prospective buyer asks you a question and you can’t answer it, why would they want to buy from you? They probably wouldn’t. Do some research. Learn your craft. It will go a long way with the customer. Keep these tips in mind while building your Coastal Vacations or other travel-related business. There is no reason why you can’t do as well as anyone else in the business. Just remember that online businesses are still businesses.
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